102 E St SW, Miami, OK 74354 Property Records

Ottawa County property record for 102 E St SW, Miami, OK 74354

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 3,021 sqft · built 1945
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on File
Last Sale	$63,000 (Oct 2007)
Tax Bill	$1,358 (2025)
Deeds & Mortgages	Sep 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`14032`

Property Details

APN / Parcel Number

Primary APN	`14032`
Alternative APN	`3520-00-108-009-0-000-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,021 sqft Living Area
1st Floor Area	1,089 sqft
Upper Floors Area	966 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 2009
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	280 sqft
Carport	Carport
Carport Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	210 sqft
Patio Area	238 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	14032
Street Address	102 E ST SW
City	MIAMI
State	OK
Zip	74354-6717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 9-10, BLK 108 ORIGINAL PLAT I
Legal Range	22E
Legal Township	28N
Legal Section	25
Legal Subdivision	MIAMI O.P. I
Legal Block	108
Legal Lot Number	9,10
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	2
Census Block	2016
Census Tract	574500

Owner

102 E St SW is owned and occupied by two individuals who bought it in October 2007.

Source: Ottawa County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	102 E ST SW, MIAMI, OK 74354-6717
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2007 · Amount on File
Deed Sale	Oct 1, 2007 · Amount on File
Prior Sale	Dec 20, 2006 · Amount on File
Deed Document Number	20075523
Deed Book / Page	850 / 31
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	102 E ST SW, MIAMI, OK 74354-6717
Transaction Type	Mortgage
Record Updated	Oct 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001170/108
Date	Sep 19, 2022
Book Page	1170/108
Instrument	I-2022-004905

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.87%
Index	1-Year CMT
Margin	3
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 102 E St SW was $1,358 with a homeowner's exemption, down 1.2% from the year before.

Source: Ottawa County assessment roll, as of January 29, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Ottawa County
Municipality	Miami City
Unified School District	Miami Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$15,546 (+2.99%) Land $342 Building $15,204	$136,374 (-21.93%) Land $3,000 Building $133,374
2025	$1,358.00 (-1.24%) Homeowner's exemption	$15,094 (+3%) Land $342 Building $14,752	$174,677 (-2.97%) Land $3,000 Building $171,677
2024	$1,375.00 (+9.47%) Homeowner's exemption	$14,654 (+3%) Land $342 Building $14,312	$180,021 (-3.73%) Land $3,000 Building $177,021
2023	$1,256.00 (+6.08%) Homeowner's exemption	$14,227 (+3%) Land $342 Building $13,885	$186,990 (-) Land $3,000 Building $183,990
2022	$1,184.00 Homeowner's exemption	$13,813 Land $342 Building $13,471	$186,990 Land $3,000 Building $183,990

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 102 E St SW in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 13, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 in force
Nearby Flood Claims	80 (1985–2019)
Claims Outside the SFHA	9 of 80
Most Recent Claim	May 2019 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2007 · 24 claims Severe Storms And Flooding, Apr 1994 · 16 claims Severe Storms & Flooding, Oct 1986 · 12 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 102 E St SW is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Oklahoma
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MIAMI serves 13,704 people · EPA ID OK2005813
Water Source	Groundwater
Last State Inspection	Dec 2022
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
The Junction Internet Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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